Initial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.17%£537.276.74%£0Fixed6.4% APRC26m26m£12,094£199,237
3.95%£530.627.10%£30Fixed6.8% APRC25m25m£12,120£207,436
4.15%£536.156.24%£35Fixed6.0% APRC26m26m£12,483£191,680
4.30%£544.546.99%£15Fixed6.7% APRC24m24m£12,584£204,492
4.10%£533.376.75%£0Fixed6.4% APRC26m26m£12,776£199,974

Initial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.17%£537.276.74%£0Fixed6.4% APRC26m26m£12,094£199,237
3.95%£530.627.10%£30Fixed6.8% APRC25m25m£12,120£207,436
4.15%£536.156.24%£35Fixed6.0% APRC26m26m£12,483£191,680
4.30%£544.546.99%£15Fixed6.7% APRC24m24m£12,584£204,492
4.10%£533.376.75%£0Fixed6.4% APRC26m26m£12,776£199,974

Initial RateInitial PaymentReverting RateTotal FeesTypeOverall Cost for ComparisonInitial Period (months)Early Repayment Charge2 Year Total CostTotal Amount Payable Over Term
4.75%£570.126.24%£35Tracker6.1% APRC24m24m£13,548£193,872
4.44%£552.436.99%£1,014Tracker6.8% APRC24m0m£13,772£205,860
4.49%£555.276.74%£999Tracker6.6% APRC24m0m£13,825£201,892
4.97%£582.847.24%£30Tracker6.9% APRC27m27m£14,008£209,939
4.97%£582.847.24%£30Tracker6.9% APRC27m27m£14,258£210,189

This table is based on a residential property value of £200,000 and a mortgage secured against that property of £100,000 (assuming no fees added), calculated on a capital & repayment basis (repayment mortgage) over a term of 25 years (300 monthly payments).
Source: Mortgage Brain. This information was last revised on 10 Jul 2025 at 05:07 hours